At its best, financial planning is transparent, genuinely respectful of the individual client, and uniquely tailored to meet the needs of that client. A clear, confident vision, well defined set of goals and careful decision-making naturally go hand in hand with a comprehensive working knowledge of a dynamic economic climate, complex tax code and global market trends. As a prospective client, you have to know where you stand now and what it is you want to achieve, taking into account your risk tolerance and time horizon. The right advisor helps you figure this out, carefully constructs a complementary plan, and assists you with putting it to work – for you! Moreover, the right advisor fully appreciates that your goals and circumstances can change with time, and is readily available to help re-evaluate and revise your plan as needed, making expert use of a wide array of investment tools.